Senior Manager - Card Portfolio Optimization Consulting, VCA X

About the role

Drawing on our expertise in consulting, data analytics, technology, payments and economics, VCA solves the most strategic problems for our clients. VCA's core client segments include issuers, acquirers, merchants, fintechs, payment enablers and governments.

What you'll do

• Develop and refine end-to-end strategies to improve KPIs: acquisition, activation, usage, spend per active, retention, cross-/up-sell, attrition reduction
• Diagnose performance drivers and recommend segment-level interventions by lifecycle stage
• Design journeys for onboarding, early engagement, habituation, maturation, retention/win-back; define treatments and test plans (A/B and multivariate)
• Identify friction points and opportunities to accelerate first-use, repeat use, and long-term engagement across digital and partner/merchant channels
• Translate portfolio objectives into campaign strategies: offer constructs, eligibility, targeting rules, suppression logic, and measurement frameworks

What you need

• 8–12 yrs of experience
• Research
• Credit risk
• Underwriting
• Test cases
• Data analysis
• Any graduate

Good to have

• Project management
• LLMs